Kingston Mines Workout Lawyer, Illinois, page 2

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Patrick Jones
About | Practice Areas
PMJ PLLC
100 S State St Chicago, IL 60603» view map
Bankruptcy & Debt
Working Relentlessly For You

Patrick is the Founder of PMJ PLLC and has more than 20 years of experience.

800-901-4721
1. Patrick Jones Chicago, IL
  Attorney at Law- IL
  DePaul University College of Law, J.D. 1999
2. AboutPMJ PLLC
  Working Relentlessly For You
3. Practice AreasExpertise
  Bankruptcy & Debt
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2. Email
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Lynne M. Binkele

Estate Planning, Adoption, Elder Law, Collection

Status: Licensed: 29 Years

CONTACT

101 Ne Randolph Ave, Peoria, IL 61606

Barbara Tribe

Collection

Status: Licensed: 22 Years

CONTACT

824-b Derby St., Pekin, IL 61554

Amira Lucia Vicari

Municipal, Family Law, Administrative Law, Collection

Status:

CONTACT

456 Fulton St, Peoria, IL 61602

Natalie D. Thompson

Bankruptcy, Business & Trade, Personal Injury, Disability

Status: Licensed: 16 Years

CONTACT

124 S.W. Adams Street, Peoria, IL 61602

Stephen Michael Morris

Litigation, Divorce & Family Law, Collection, Personal Injury

Status: Licensed: 30 Years

CONTACT

456 Fulton Street, Peoria, IL 61602

Sumner Bourne

Foreclosure, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 32 Years

CONTACT

401 Main Street, Peoria, IL 61602

Andrew Eric Williams

Real Estate, Divorce & Family Law, Criminal, Bankruptcy

Status: Licensed: 13 Years

CONTACT

139 E Washington St, East Peoria, IL 61611

Leann Marie Niebuhr

Divorce, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 21 Years

CONTACT

Peoria, IL 61612

Brian Shelby

Bankruptcy & Debt, Bankruptcy

Status: Licensed: 26 Years

CONTACT

401 Main Street, Peoria, IL 61602

Dorian Lasaine

Estate Planning, Criminal, Collection, Personal Injury, Divorce

Status: Licensed: 48 Years

CONTACT

456 Fulton Street, Peoria, IL 61602

800-814-6700

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LEGAL TERMS

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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Kingston Mines Workout Lawyer, Illinois, page 2

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Lynne M. Binkele

Barbara Tribe

Amira Lucia Vicari

Natalie D. Thompson

Stephen Michael Morris

Sumner Bourne

Andrew Eric Williams

Leann Marie Niebuhr

Brian Shelby

Dorian Lasaine

TIPS

LEGAL TERMS

MEETING OF CREDITORS

GUARANTEED RESERVATION

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

NUISANCE FEES

DOING BUSINESS AS (DBA)

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

CREDIT REPORT

GRACE PERIOD

IRS EXPENSES

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